Home Insurance in Indiahoma, Oklahoma
Homes in Indiahoma carry a median value of $58,400 - 64% lower than the Comanche County median.
The typical home in Indiahoma was built around 1966. About 36% of homes were built before 1960, about 14 points above Comanche County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Indiahoma is 86% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Indiahoma have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Indiahoma has an owner-occupancy rate of 78% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Indiahoma - 56% - are primarily heated with electricity.
Comanche County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Comanche County had 491 active NFIP flood policies as of September 2026. See the full Comanche County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $58,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Comanche County | 491 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)